Couple walking together on a hill surrounded by treesSCHOLAR FINANCIAL SERVICES
Couple walking together on a hill surrounded by treesSCHOLAR FINANCIAL SERVICES

Financial Planning and Investment Management for a Secure Retirement

At Scholar Financial, we understand that retirement planning is more than just investment management. It’s about aligning your finances with your life goals, ensuring tax efficiency, and creating a comprehensive plan for a worry-free future. As experienced professors of finance and CFP® professionals, we offer a suite of services designed to address every aspect of your financial life.

Comprehensive Retirement Planning

Retirement is a significant life transition, and careful planning is essential to make the most of it. Our comprehensive retirement planning services include:

  • Retirement Readiness Assessment: We’ll analyze your current financial situation, projected income needs, and retirement goals to determine your readiness for retirement.
  • Retirement Income Planning: We’ll develop a sustainable withdrawal strategy that optimizes your income sources, minimizes taxes, and ensures your retirement nest egg lasts throughout your retirement.
  • Social Security Optimization: We’ll help you understand your Social Security options and develop a claiming strategy that maximizes your benefits.
  • Medicare Planning: We’ll guide you through the complexities of Medicare and help you choose the right coverage for your needs.
  • Estate Planning: We’ll coordinate with estate planning attorneys to ensure your assets are distributed according to your wishes.

We offer comprehensive financial plans for a flat fee, based on complexity. Please contact us for a quote. The flat fee includes a six-month period for follow-on advice, which period begins when the financial planning agreement has been signed by all parties and the first half of the flat fee has been paid.

Investment Management

As professors of finance, we take a disciplined, evidence-based approach to investment management. We don’t believe in market timing or chasing the latest hot stock. Instead, we focus on:

  • Comprehensive Retirement Planning: As outlined to the left.
  • Personalized Portfolio Construction: We’ll design a diversified portfolio tailored to your risk tolerance, time horizon, and financial goals.
  • Asset Allocation: We’ll strategically allocate your assets across different asset classes to optimize risk and return.
  • Tax-Efficient Investing: We’ll minimize your tax burden through strategies such as tax-loss harvesting and asset location.
  • Ongoing Portfolio Monitoring & Rebalancing: We’ll regularly monitor your portfolio’s performance and rebalance it as needed to maintain your target asset allocation.

Investment portfolio management, which includes personal financial planning, is offered for the following fees:

Assets Under ManagementAnnual Fee
First $2,000,000:0.80%
Next $3,000,000:0.60%
Assets Over $5,000,000:0.40%

Fees are billed to clients quarterly, based upon the value of the assets at the end of the quarter, divided by 4. Scholar Financial has a minimum annual fee of $6,400. Scholar Financial’s fees and minimums are subject to negotiation. (For additional information on services and fees, please refer to XY Sapphire’s Form ADV, Part 2A.)

Comprehensive Retirement Planning

Retirement is a significant life transition, and careful planning is essential to make the most of it. Our comprehensive retirement planning services include:

  • Retirement Readiness Assessment: We’ll analyze your current financial situation, projected income needs, and retirement goals to determine your readiness for retirement.
  • Retirement Income Planning: We’ll develop a sustainable withdrawal strategy that optimizes your income sources, minimizes taxes, and ensures your retirement nest egg lasts throughout your retirement.
  • Social Security Optimization: We’ll help you understand your Social Security options and develop a claiming strategy that maximizes your benefits.
  • Medicare Planning: We’ll guide you through the complexities of Medicare and help you choose the right coverage for your needs.
  • Estate Planning: We’ll coordinate with estate planning attorneys to ensure your assets are distributed according to your wishes.

We offer comprehensive financial plans for a flat fee of $4,800. This six-month period begins when the financial planning agreement has been signed by all parties and the first half fee has been paid.

Investment Management

As professors of finance, we take a disciplined, evidence-based approach to investment management. We don’t believe in market timing or chasing the latest hot stock. Instead, we focus on:

  • Comprehensive Retirement Planning: As outlined to the left.
  • Personalized Portfolio Construction: We’ll design a diversified portfolio tailored to your risk tolerance, time horizon, and financial goals.
  • Asset Allocation: We’ll strategically allocate your assets across different asset classes to optimize risk and return.
  • Tax-Efficient Investing: We’ll minimize your tax burden through strategies such as tax-loss harvesting and asset location.
  • Ongoing Portfolio Monitoring & Rebalancing: We’ll regularly monitor your portfolio’s performance and rebalance it as needed to maintain your target asset allocation.

Investment portfolio management, which includes personal financial planning, is offered for the following fees:

Assets Under ManagementAnnual Fee
First $2,000,000:0.80%
Next $3,000,000:0.60%
Assets Over $5,000,000:0.40%

Fees are billed to clients quarterly, based upon the value of the assets at the end of the quarter, divided by 4. Scholar Financial has a minimum annual fee of $6,400. Scholar Financial’s fees and minimums are subject to negotiation. (For additional information on services and fees, please refer to XY Sapphire’s Form ADV, Part 2A.)

Older couple walks along the beach, feet in the water and hands in the airReady to Experience the
Scholar Financial Difference?Contact us for a complimentary consultation today
to discuss your financial goals and discover how
we can help you achieve them.GET STARTED
Older couple walks along the beach, feet in the water and hands in the airReady to Experience the
Scholar Financial Difference?Contact us for a complimentary consultation today
to discuss your financial goals and discover how
we can help you achieve them.GET STARTED